Through comparing and researching the international housing finance pattern and considering china ' s reality , the article puts forward that china should select the housing finance pattern that housing securitization is the principal part , and housing provident fund and housing deposit develop together . mortgage bank bonds is an important and new - type housing securitization 本文通过对国际住房金融融资模式进行比较研究，结合我国国情，提出我国应构建“以住房证券化为主体，住房公积金制度和住房储蓄制度并行发展”一体两翼的住房金融融资模式，抵押银行债券作为住宅金融住房证券化创新的重要品种。
